490 Summit Tree Ct, Fenton, MO 63026 Property Records

St. Louis County property record for 490 Summit Tree Ct, Fenton, MO 63026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,840 sqft · built 2001
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Tax Bill	$3,782 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`28O-21-0573`

Property Details

APN / Parcel Number

Primary APN	`28O-21-0573`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,840 sqft Living Area
Gross Area	2,060 sqft
1st Floor Area	832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	35 ft deep x 40 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Frame Porch
Porch Area	20 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	490 SUMMIT TREE CT
City	FENTON
State	MO
Zip	63026-3574
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6A
Legal Description	SUMMIT RIDGE LOT 52
Legal Subdivision	SUMMIT RIDGE
Legal Lot Number	52
Jurisdiction	ST LOUIS MO
Township / Civil Division	BONHOMME
Census Block Group	3
Census Block	3009
Census Tract	221424

Owner

490 Summit Tree Ct is owned and occupied by an individual who acquired it in August 2017.

Source: St. Louis County records, as of September 29, 2026

Owner of Record	Individual Name on File
Mailing Address	490 SUMMIT TREE CT, FENTON, MO 63026-3574
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2017
Deed Sale	Aug 14, 2017
Prior Sale	Aug 4, 2010 · Amount on File
Deed Document Number	2017266
Deed Book / Page	22650 / 564
Prior Transfer Date	Aug 12, 2017
Prior Transfer Doc	02265000564
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	490 SUMMIT TREE CT, FENTON, MO 63026-3574
Document Number	0223822043
Book / Page	022382 / 002043
Instrument Date	Jan 26, 2017
Transaction Type	Mortgage
Record Updated	Feb 9, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 SUMMIT TREE CT FENTON MO 630263574, FENTON, MO 63026-3574

Mortgage

Document Number	0223822043
Date	Feb 2, 2017
Book Page	022382/002043
Instrument	596

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 490 Summit Tree Ct was $3,782, up 13.7% from the year before.

Source: St. Louis County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Unified School District	Lindbergh School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$54,050 (-) Land $11,190 Building $42,860	$284,500 (-) Land $58,900 Building $225,600
2025	$3,782.00 (+13.71%)	$54,050 Land $11,190 Building $42,860	$284,500 Land $58,900 Building $225,600
2024	$3,326.00 (+0.21%)
2023	$3,319.00 (+7.86%)	$46,410 (+11.21%) Land $6,020 Building $40,390	$244,300 Land $31,700 Building $212,600
2022	$3,077.00	$41,730 Land $10,340 Building $31,390
2021			$219,600 Land $54,400 Building $165,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 490 Summit Tree Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 10, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 490 Summit Tree Ct is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Wisper ISP.

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